Cheapest Car Insurance Quotes in Silver Spring

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Silver Spring Car Insurance

^$ 56

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Silver Spring

The car insurance rate in Silver Spring is $1148 for a six-month policy, which is $132 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $840, making it a popular choice for budget-conscious drivers. Rates in Silver Spring can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Silver Spring

$1148

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Silver Spring

1st place: Kemper

At $840 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $906 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $927 for six months, making it the third cheapest auto insurance company in Silver Spring.

Silver Spring Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Silver Spring, MD is Kemper, offering policies at just $840 for a six-month term. This is followed by USAA, which has an average six-month premium of $906.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2148 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Silver Spring drivers find the best deals.

Cheap Car Insurance Companies in Silver Spring, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$840	$142
USAA	$906	$153
State Farm	$927	$156
Travelers	$927	$156
Nationwide	$1074	$181
Erie	$1107	$186
Progressive	$1262	$212
Allstate	$2148	$362

Key Takeaways

Way's key takeaways about car insurance in Silver Spring

The auto insurance costs in Silver Spring fall around $840 for six months.
The cheapest auto insurance company in Silver Spring is USAA.
Teen drivers pay the highest rate in Silver Spring at $1509 per month.

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Cheapest Minimum Liability Car Insurance in Silver Spring

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Silver Spring are given below.

USAA provides the cheapest minimum car insurance coverage in Silver Spring. Their Average 6 Month Premium is $336. Allstate is the most expensive at $1175 for the same period.

Cheapest Liability Coverage in Silver Spring, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$336	$56
Travelers	$463	$78
State Farm	$470	$79
Kemper	$477	$79
Erie	$497	$84
Progressive	$584	$98
Nationwide	$605	$102
Allstate	$1175	$198

Cheapest Full Coverage Car Insurance in Silver Spring

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Silver Spring is Kemper at $142 per month and $840 for six months.

Cheapest Full Coverage Car Insurance Quotes in Silver Spring, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$840	$142
USAA	$906	$153
State Farm	$927	$156
Travelers	$927	$156
Nationwide	$1074	$181
Erie	$1107	$186
Progressive	$1262	$212
Allstate	$2148	$362

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Average Car Insurance in Silver Spring by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Silver Spring, MD increasing?

Despite maintaining a clean driving record, your car insurance rates in Silver Spring, Maryland, may be increasing due to several external factors. Maryland has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Silver Spring's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Silver Spring

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$774
30s	Travelers	$660
40s	Travelers	$601
50s	Travelers	$568
60s	Travelers	$637
70s	USAA	$673

Cheapest Car Insurance Rates for Teen Drivers in Silver Spring,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Silver Spring at $86 per month. At $8961 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$504	$86
Erie	$1309	$220
Travelers	$1530	$258
USAA	$1637	$276
State Farm	$2222	$374
Progressive	$2826	$476
Nationwide	$4242	$714
Allstate	$8961	$1509

Teen Car Insurance Rates in MD by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Silver Spring.

As young drivers face the highest rates in Silver Spring, Travelers offers the cheapest auto insurance rates at $774 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Silver Spring, USAA is the cheapest car insurance provider. At $1061 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Silver Spring is State Farm, offering rates of around $4014 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1061	$176
Progressive	$1094	$184
Nationwide	$1390	$234
Travelers	$1959	$333
Erie	$2302	$384
Allstate	$3135	$533
State Farm	$4014	$669

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Car Insurance Rates with An Accident in Silver Spring

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Silver Spring, MD, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Silver Spring

The cheapest car insurance companies after an at-fault accident in Silver Spring include Erie and USAA, offering $833 and $947, respectively. Encompass is an expensive provider with an average six-month premium of $745.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$833	$140
USAA	$947	$159
Travelers	$959	$162
State Farm	$1034	$174
Progressive	$1255	$211
Nationwide	$1745	$294
Allstate	$3920	$660
Encompass	$745	$124

Silver Spring Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Silver Spring MD. For example, the car insurance in Silver Spring after a DUI increases to $1275 for a six month policy. While the rate increases by $295 for a six-month policy in the case of a speeding ticket.

Silver Spring auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1356	$226
One Med/PIP claim	$1402	$238
Not-at-fault accident	$1457	$243
One comp claim	$1463	$249
Two Med/PIP claims	$1490	$249
Failure to wear a seat belt	$1537	$261
Failure to show documents	$1577	$263
Child safety restraint	$1591	$270
Two comp claims	$1591	$266
Driving with expired registration	$1631	$277
Cell phone violation	$1651	$276
Driving too slowly	$1651	$280
Failure to stop at a red light	$1651	$276
Failure to yield	$1651	$280
Following too closely	$1651	$276
Illegal turn	$1651	$280
Improper passing	$1651	$276
Speeding 11 - 15 MPH over limit	$1651	$280
Speeding 16 - 20 MPH over limit	$1651	$276
Speeding 6 - 10 MPH over limit	$1651	$280
Texting while driving	$1651	$276
Wrong way/wrong lane	$1651	$280
Speeding in school zone	$1671	$279
At-fault accident - less than $1000	$1705	$290
Passing school bus	$1712	$285
Driving without lights	$1719	$293
Open container	$1726	$287
Operating a vehicle without permission	$1745	$297
Speeding 21 - 25 MPH over limit	$1806	$301
In 65 MPH zone	$1973	$336
At-fault accident - $1000-$2000	$2034	$339
At-fault accident - greater than $2000	$2034	$346
Reckless driving	$2322	$388
Racing	$2497	$425
Driving with a suspended license	$2537	$423
Refusal to submit to a chemical test	$2618	$445
DUI	$2631	$438
Leaving scene of an accident/hit and run	$2651	$451

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Silver Spring after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Silver Spring.

The cheapest car insurance premiums in Silver Spring are offered by Erie at $712 for a six-month policy. However, it can be as expensive as $2927 with companies like Nationwide.

Silver Spring car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$712	$120
Travelers	$1041	$175
Progressive	$1356	$228
USAA	$1564	$263
State Farm	$2034	$342
Allstate	$2242	$377
Nationwide	$2927	$493

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Silver Spring are offered by State Farm at $637. However, it can be as expensive as $2739 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Silver Spring after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$637	$107
USAA	$725	$123
Erie	$845	$142
Progressive	$980	$165
Travelers	$1342	$224
Nationwide	$1906	$324
Allstate	$2739	$457

Car Insurance Price Trends in Silver Spring, Maryland

Car insurance rates in Silver Spring have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Silver Spring rose by $241 in December compared to $240 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Silver Spring remained steady at $87 in both December and November, indicating no change over the two month period.

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Average Car Insurance Cost in Silver Spring by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Silver Spring. At $1412 for a six-month policy, insuring your car at 20906 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
20906	$1412	$237
20905	$1216	$204
20904	$1354	$228
20903	$1251	$210
20902	$1343	$226
20901	$1274	$214
20910	$1308	$220

Frequently Asked Questions

How much is car insurance in Silver Spring?

The car insurance in Silver Spring is $56 per month, which is lower than the national average.

What is the cheapest car insurance in Silver Spring?

The cheapest car insurance in Silver Spring is $142 per month for full coverage.

How much is car insurance in Silver Spring for teenagers?

Car insurance for teenagers costs $504 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Silver Spring?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $193 per month to insure your car in Silver Spring.

Is car insurance expensive in Silver Spring?

Car insurance can be expensive in Silver Spring if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Silver Spring can be affordable.

What is the best car insurance in Silver Spring, MD?

The best car insurance company in Silver Spring MD is Kemper, offering $840 for a six-month policy.